“I need to find health insurance. Currently, I am not covered. I’m working with a contractor and their insurance is expensive. Can you suggest what I need to do now?”

Working but Uninsured

Dear Working but Uninsured,

If you are not offered an employer-based plan and you earn less than 400% of Federal Poverty ($45,960 for a household of one), then you can go to the health “exchange” to find a plan. These plans would also offer you government help to pay for them. Your state may be running its own health exchange; if so, you may have better luck getting through the enrollment process. You can get to your state’s exchange by visiting healthcare.gov and clicking on your state.